The 10 Best Home Care Agencies for Seniors in Robstown, TX for 2024

Caring.com offers a free service to help families find senior care and authentic reviews to help you in your decision. On average in Robstown, TX, residents and their loved ones rate In Home Care agencies across the 10 options below.

Home care data in the Genworth 2020 Cost of Care Survey indicates that seniors in the Robstown region pay $3,928 per month for home care. This is well below the national rate of $4,481 and consistent with the state median of $3,998. In the Austin area, monthly fees are closer to the national average at $4,385. In Midland, home care costs are among the highest in the state at $4,576. Home care agencies in the McAllen area charge comparatively competitive monthly rates of $2,860.  

While home care rates in Robstown are affordable compared to the national average, this is among the most expensive senior care options in the city. On average, home care costs $3,928 monthly. Despite offering specialized medical services, home health care rates are the same. Only nursing home residents pay higher monthly fees, with the typical monthly rate for a shared room coming in at $5,519. Assisted living facilities offer comparable care services in a residential community setting and have lower monthly care costs of $3,260. Those who want to remain in their homes and obtain more affordable care may consider adult day health care, which costs approximately $696 per month. 

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.